Tel: 01992 471001

Email: hoddesdon@ashbourneinsurance.co.uk

Home and Possessions Insurance

Speak to Thomas

01992 471 001

No two buildings and their contents are the same and we understand how important your possessions are. For that reason, we don’t cut corners and offer “budget” cover; we offer value for money and peace of mind.

When choosing your home insurance, you must consider the value of the following items:

  • Buildings sum insured (amount it would cost to re-build your home)
  • All your contents: furniture, electrical and white goods, pictures, ornaments and mirrors
  • Personal possessions: jewellery, watches, sports equipment etc.

Items insured within the home are normally insured on a “new for old” basis, meaning in the event of a claim for an insured item you would get a new replacement.

home-contents-calculator

Consideration should be given to carpets and “fitted” furniture. Some insurers would consider these to be part of the building sum insured, so please make sure you include these items.

Further discounts are available if you combine both buildings and contents insurance into one policy and whilst not as large as for motor insurance, a no-claims discount is offered by most insurers.

Personal possessions are not automatically covered whilst outside of the home and “standard” home insurance will exclude accidental damage cover.

  • Buildings and  Contents Insurance – Options to include personal possessions and accidental damage
  • Prestige Homes – High net worth insurance
  • Landlords Insurance – Designed for owners of tenanted domestic property
  • Vacant and Refurbished Property Insurance – Property under renovation or up for re-sale

As with all types of policy Ashbourne Insurance offers, we search up to 40 leading insurers to obtain cover tailored to your specific needs, at a price to suit your budget. Depending on whether you are owner-occupied, landlord or vacant premises for refurbishment and re-sale, different terms and conditions will apply.

For certain clients, standard home insurance isn’t enough. We have a number of schemes for “High net worth” clients providing higher and wider levels of cover, which is individually structured around the way you live today and offers flexibility to adapt to your future needs.

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